信贷约束与农户收入关系文献综述——以林权抵押贷款为例

既有研究详尽探讨了林权抵押贷款信贷约束对农户收入的影响。多数研究者发现，信贷约束导致农户生产要素配置不当，降低生产效率和配置效率，阻碍收入增加；但也有研究表明，信贷约束会促进土地流转和劳动力转移从而增加非农收入。现有文献为进一步研究林权抵押贷款信贷约束与农户收入的关系提供了有意义的线索，但是仍存在忽略农户收入的不同构成、信贷约束测度存在缺陷和忽略内生性等问题。因此，未来研究应该主要从以下2个方面入手:第一，分别探讨信贷约束对农户收入各组成部分的影响机制；第二，改进信贷约束测度方法，并关注由于互为因果以及遗漏变量而产生的内生性问题。

Literature Review on the Relationship Between Credit Constraint and Farmers' Income: A Case Study of Forest Right Mortgage System

The studies that have been done have made a thorough discussion on the influence of credit constraints of forest right mortgage on farmers'' income. Most scholars found that credit constraints have led to a misallocation of production factors, reduces production efficiency and allocation efficiency, and thus hinders the increase of income. Some studies, however, have shown that credit constraints can increase non-farm income by promoting land circulation and labor transfer. However, the literature available have taken little account of several issues including different sources of household income, the defects in credit constraints measurement, and the endogeneity, though they have provided helpful clues for the further study on the relationship between credit constraints and farmers'' income. Therefore, the future research should put the focus on the following 2 aspects:1) exploring respectively the influence mechanisms of credit constraints on different parts of farmers'' income; and 2) improving the measurement methods of credit constraints meanwhile focusing on the endogenous problems caused by reciprocal causation and variables omissions.